Deutschlandrente & Co .: Alternatives to private provision

Tuesday, 02.02.16, written by Juliane Wellisch

With the Germany pension, three Hessian ministers have presented a new pension model and have restarted the discussion on the future of old-age provision. The ministers support a state-owned fund that can close pension gaps and reduce costs compared to private provision. Now they get backing from the consumer centers.

Germany pension: So the pension insurance could be reformed

According to the three Hessian ministers Tarek Al-Wazir (Greens), Stefan Grüttner and Dr. Ing. Thomas Schäfer (both CDU) offer a supplement to private and company pension plans. Due to population growth and longer life expectancy, pay-as-you-go statutory pension insurance faces considerable challenges . It is to be expected that pension benefits will often be insufficient for future generations. For a long time, politicians and financial experts have been advising consumers to take additional retirement measures. However, both Riester pension and occupational pensions are considered by many experts to be too expensive and inadequate. The model Germany pension builds here at low cost .

So should the Germany pension work

The idea of ​​a Germany pension is simple. In addition to the contributions to the statutory pension insurance , pensioners automatically pay into the Germany pension . It is not a pay-as-you-go system, such as pension insurance, but a simple provision product , which, unlike private pension contracts, has lower costs. Since the Germany pension does not have to be advertised and the expenses for the administration or for commissions are reduced or eliminated altogether, more money flows into the actual old-age provision . The German pension is to be managed, for example, by the Deutsche Rentenversicherung, since this can operate without its own profit interest.

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Germany pension: criticism and counterarguments

Critics fear that the Germany pension could become a compulsory pension . The Hessian ministers are actually building their plans for automatic provision. However, they allow for the possibility of an opt-out , ie a rejection of the Germany pension by unwilling contributors. Another point of criticism: If the pension fund is state-owned, it would be possible for the state to use this money in financial emergencies. Klaus Müller, CEO of the Federation of German Consumer Organizations, told the FAZ that the Germany pension is indeed a “worthwhile idea”. Regarding possible state access, however, it would be necessary to clarify in advance how the pension assets will be protected, “perhaps even through a constitutional commitment.”

Are there any alternatives to the Germany pension?

The Germany pension is far from the first plan to reform the statutory pension insurance . Especially with regard to impending poverty in old age, there have already been several concepts that should, for example, support low earners with extended pension entitlements. The plans for a living-wage pension or even solidarity provide for an increase in low pension payments to up to 850 euros . Prerequisite for this is an existing private pension. In addition, the claim only exists if, for at least 40 years of contributions, 30 years or more has been paid into the pension fund . However, according to many critics, this concept bypasses reality. After all, it is precisely former low-income earners, whose pension entitlements are less than € 850, who usually did not have enough income during their working lives to invest a part in private old-age provision.

Retirement Savings Account: Proposal already on ice since 2012

The life benefits pension is not the only suggestion. The State of Baden-Württemberg has already advocated in 2012 under consumer minister Alexander Bonde with the pension account a very similar concept to the German pension. According to this, a non-profit association, such as Deutsche Rentenversicherung or the Kreditanstalt für Wiederaufbau (KfW), should enable every consumer to have a retirement savings account with low administration and acquisition costs . In addition, the plans provide for the inheritance of the accumulated pension assets and the calculation of a “realistic life expectancy” in the pension calculation.

This proposal has not yet been taken up by the current federal government as well as the plans for Germany pension . Individual states such as Baden-Württemberg can not go it alone. Because the pension policy is decided at the federal level .

Friday, 05.02.16 , written by Juliane Wellisch Life expectancy in Germany is rising. At the same time, many people are more mobile. The care of the family grave is therefore not as possible as it used to be. In addition, the personal wishes regarding the last peace with many people change. finanzen.de has asked Aeternitas eV which changes are emerging in the funeral culture. >

Funeral culture in transition: Germans want alternatives to the cemetery

Demographic change and increased mobility within the population are linked to numerous social development processes. It used to be a matter of course to look after an elderly relative at home. Nowadays, this is often not possible when adult children have left their home town, for example, for professional reasons.

Not only in life, this has consequences. The burial culture in Germany is also subject to change . For example, tomb care has long since ceased to be a matter of course, even though it used to be part of mourning work in the past. At the same time, many people want alternative burial forms. But implementing them is difficult. Because there are still strict guidelines for burials in Germany, explains Alexander Helbach of the consumer initiative Bestattungskultur Aeternitas eV

The laws of the federal states permit in part different forms of burial. For example, last year Bremen abolished cemetery compulsion and allowed, for example, the scattering of ashes on private property. Do you observe something like a funeral tourism?

Alexander Helbach: No, you can not (yet) speak of that. In Bremen, however, a peculiarity is not to be neglected: The possibility of ash dispersion on private land exists only for deceased Bremen citizens. A kind of “funeral tourism” would not be possible there. Otherwise the same funeral possibilities exist in all federal states in the end (also sea burials are permitted in each federal state, the urn must be transported then only to North or Baltic Sea). There are also burial forests in all federal states (except Bremen, in Berlin and Hamburg only in a cemetery). Here, however, the distribution is very unequal, which is why one or the other urn is sometimes brought to another state.

What is indeed common is “funeral tourism” abroad. In many neighboring countries, such as the Netherlands or Switzerland, relatives can have their urn handed out. Involuntarily it comes in Germany then especially to the “funeral tourism” when municipalities bureaucrats burials, so if no family member can or will take care of the funeral, cause outside of their own cemeteries somewhere else to save money.

Currently, the Thuringia Funeral Act is to be amended to allow or facilitate the establishment of burial or burial forests. More and more people do not only wish for a natural burial such as in such burial forests, but generally alternatives to the last rest in the cemetery. Do you think the policy should react faster with legislative adjustments here?

Alexander Helbach: Definitely . There is a need for reform. Burial forests are the one point (good that Thuringia finally reacts), other points are for example the permits of Umbettungen and the still existing cemetery compulsion. A funeral culture must reflect what people want. Unfortunately, many regulations are very restrictive and are contrary to what many people imagine.

Umbettungen for example are only rarely approved. The problem has been massively exacerbated by the mobile society. Why should not an urn be allowed to move to another cemetery when the survivors move? Otherwise the visit to the grave is extremely difficult.

Majority of Germans against cemetery compulsion for urns

The market research institute TNS Emnid has in the past on behalf of Aeternitas German citizens questioned their opinion on the cemetery compulsion for urns. According to this, 58 percent of respondents call the cemetery compulsion obsolete.

New burial forms and social changes are causing a change in personal mourning work. Do you think that traditional mourning rituals such as regular grave care are dying out? Are other forms of mourning work developing instead?

Alexander Helbach: Classic mourning rituals will certainly not die out. They continue to have their legitimacy and their deeper, consoling purpose. And many people will continue to mean something, but not everyone anymore. As the social life and the ways of thinking of the citizens further fanned out or multiplied, so does the situation with the theme of mourning and farewell.

New mourning rituals are added, existing ones are developed further, old and new are merged – there is a lot going on, as Undertakers report: farewell farewell parties, the favorite music of the deceased, rituals like the lighting of candles, secular funeral orators, etc. For an increasing Number of people means the grave in the cemetery nothing more. The place of burial and the place of remembrance often drift apart. For example, commemoration takes place in the private room, even if a grave still exists in the cemetery.

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EC cards are today the constant companion of all paying customers. If money or credit cards are stolen, the owner must act quickly and have them blocked. If necessary, he himself must be liable for the damage incurred after the theft of the debit card. This confirms now a current judgment of the Munich district court.

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Loss of credit or debit card can be expensive

Anyone who suffers damage after the theft of the debit card quickly asks who is liable for it. A series of judgments in recent years shows that the person being stolen must pay for the financial loss, if he appears to be responsible for it. This may be the case if a third-party billing is made very quickly after the cardholder’s last withdrawal. For the banks, this means that the defendant must have kept his PIN together with the debit card or observed when entering the PIN. Otherwise, the chances of guessing the PIN in three attempts would be 1 to 3,333, the Stiftung Warentest reports.

If the debit card is stolen: when is the bank liable?

According to the current judgment of the Munich District Court (Ref .: 121 C 10360/12), therefore, the stolen pensioner is left with the costs incurred by the theft. The perpetrators were able to deduct 2,000 euros from their account within a short time before the woman had her money card blocked. The 76-year-old said in court, not to have jointly kept PIN and debit card. However, the burden of proof that he did not do so lies with her and can scarcely be proven in this case.

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Stated cash card: who is liable for gross negligence?

The pensioner is not alone with the financial loss after theft of Girocard. Banks are not liable even for the financial loss in the event of loss of the cash card, if Beklauten can be charged with grossly negligent behavior. Various national courts see this fulfilled if the debit card is left behind in an unattended car, for example. Even those who put the money or credit card into their jacket pocket instead of their purse act negligently. If somebody observes when entering his PIN, he also has to pay for the costs incurred after the theft of the girocard.

How safe are EC and credit cards?

Even though the Munich district court has absolved the bank of the stolen pensioner of their liability – it remains questionable how safe money and credit cards and cashless payments really are. Banks indicate that EC cards are sufficiently protected by PIN, Triple DES encryption and magnetic stripe. However, the fraudsters are becoming increasingly sophisticated. The so-called skimming allowed them in recent years to read electronic data from debit cards. In 2012, for example, 521 ATMs were attacked 872 times in Germany.

Victims of a debit card should inform their bank as soon as possible or block their card with a 24-hour hotline. The phone number for blocking all cards, including EC and Maestro cards, is +49 116 116.

Secure bicycle with household or bicycle insurance?

Hundreds of thousands of bicycles are reported stolen each year by their owners. Only one in ten cases is cleared up. Many cyclists therefore catch a bicycle insurance in the eye, which pays in case of theft and so relieves the loss of the wheel. However, hedging is often expensive. Cheaper is a good home insurance, which makes for bicycle theft.

What services does a bicycle insurance offer?

With a bicycle insurance, cyclists secure their bikes comprehensively. The insurance looks depending on the provider

✓ a theft protection, ✓ Benefits of vandalism, ✓ accident and fall damage and ✓ in case of theft of bicycle parts.

Important for e-bikes : the insurance coverage also works against moisture and electronic damage. However, the insurer can prescribe the dealer who should take care of the damage.

The respective reimbursement amount of the insurance depends on the value of the bicycle. The more the bike costs, the higher the price for the hedge. For the protection of a racing bike worth € 1,500, for example, owners pay up to € 528 per year , shows a comparison of Stiftung Warentest from the summer of 2017.

Attention: The bicycle insurance is only valid for the insured bike. If several bicycles are to be insured against theft and the like, a separate contract is necessary.

Over 300,000 bicycles were made in 2017 stolen reported.

What does a good home contents insurance make in comparison?

Many home insurance policies have improved in recent years in benefits and now pay for bicycle theft . However, part of the insurance coverage only applies at certain times of the day. For example, if the contract provides for a so-called night clause , thefts are uninsured between 10 pm and 6 am, for example. However, this clause is rarely used. Nevertheless, it is advisable to take a look at the exact terms of insurance to avoid unpleasant surprises.

The amount of the reimbursement is based on the sum insured , which was agreed for the entire household contents. Depending on the insurer, customers receive between one and five percent of this sum. For example, if insured persons insure their institution for 50,000 euros , a good insurance will reimburse at least 500 euros for the stolen bicycle . The protection generally applies to all wheels of the policyholder.

Incidentally, according to the latest police crime statistics, Berlin is the city ​​with the most reported bicycle theft . There more than 30,000 offenses were reported in 2017. Followed by Hamburg (14,500 thefts), Leipzig (10,000 cases) and Cologne (8,200 stolen wheels).

How much does a bicycle insurance cost compared to household insurance?

The investigation of the Stiftung Warentest for bicycle insurance shows that the costs for theft protection vary considerably . A bike worth 500 euros can protect bike owners from as little as € 46 a year from thieves. The most expensive tariff, however, costs 132 euros.

Important: Some providers do not insure older wheels. The maximum bicycle age varies between one month and unlimited in the insurance examined by Stiftung Warentest.

The costs of home insurance depend on the agreed services and the place of residence. In regions where bicycles are most often stolen, insurance coverage is more expensive than in areas with low theft rates.

Tip: Hedging through home contents insurance is often cheaper than using a separate bicycle insurance. According to Stiftung Warentest, the extra protection for a 1,000-euro bike often costs only around three euros per month.

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Differences between household and bicycle insurance at a glance

bike insurance

Household

Amount of the refund

Value of the bicycle

1 to 5 percent of the sum insured

Services at

Theft, vandalism, accident and fall damage, parts theft

Theft, damage caused by tap water, fire and storm

What is insured?

Only the bike

All wheels of the insured as well as his entire household contents

Several wheels insured?

No

Yes

Costs depend on

Value of the wheel

Place of residence and sum insured

For whom is a bicycle insurance useful?

If cyclists want to know their bike well not only in the event of theft, but also in case of accidents , a separate bicycle insurance makes sense. The same applies if the new bike is particularly expensive . Here the benefits of home contents insurance can reach their limits.

Cyclists, who are especially concerned with protection against theft of bicycles, do not need their own insurance. A high-performance home insurance is sufficient, so they get reimbursed in case of emergency, the cost of the stolen bike. At the same time not only the bike, but also all household items are secured like electronic devices and valuables. For example, if they are stolen from the home or house or destroyed by a fire, the insurance provides important financial support.

Which insurer interested in bicycle theft optimally protects at a low price, you can quickly find out with the free comparison calculator.

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